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If you're going to make use of a small-cap index like the Russell 2000, you could wish to pause and take into consideration why an excellent index fund company, like Vanguard, does not have any funds that follow it. The reason is since it's a poor index.
I have not even dealt with the straw male below yet, and that is the truth that it is reasonably unusual that you actually need to pay either taxes or significant payments to rebalance anyway. I never have. A lot of smart financiers rebalance as long as feasible in their tax-protected accounts. If that isn't quite sufficient, early collectors can rebalance purely using new payments.
And of course, no one needs to be buying loaded mutual funds, ever. It's truly as well bad that IULs don't work.
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